HEADQUARTERED IN NORTH DAKOTA
North Dakota banks and credit unions
89 institutions headquartered in North Dakota. Totals describe institutions by headquarters, not deposits held at branches in the state.
North Dakota banks
- 60 banks headquartered in North Dakota reported $65.6 billion in combined total assets for the quarter ended June 30, 2026.
- Their combined deposits were $55.3 billion, up 5.0% from a year earlier among institutions that reported both quarters.
- The median net interest margin was 3.89%, and the median cost of all deposits was 1.72%.
- Institutions
- 60
- Combined total assets
- $65.6 billion
- Combined deposits
- $55.3 billion
- Deposit growth, 12 months
- +5.0%
- Loan growth, 12 months
- +6.1%
- Median net interest margin
- 3.89%
- Median return on assets
- 1.50%
- Median cost of deposits
- 1.72%
What stands out
- Peoples State BankNoninterest-bearing deposit share rising faster than peers
- First Security Bank - WestLoans shrinking while the peer median grows
- Turtle Mountain State BankDeposits shrinking while the peer median grows
- The Bank of TiogaFee and other noninterest income among the lowest of similar banks
- Western State BankNoninterest-bearing deposit share rising while the peer median falls
- Commercial Bank of MottBorrowed funding falling while the peer median holds steady
- Bank of HazeltonFee and other noninterest income among the lowest of similar banks
- Alerus Financial N.A.Unrealized securities position improving faster than peers
Largest banks
| Institution | City | Total assets | Deposit growth | ROA |
|---|---|---|---|---|
| Bell Bank | Fargo | $15.2 billion | +2.8% | 0.91% |
| Choice Financial Group | Fargo | $6.4 billion | +4.5% | 1.32% |
| First International Bank and Trust | Watford City | $6.2 billion | +13.7% | 1.17% |
| Alerus Financial N.A. | Grand Forks | $5.3 billion | -3.2% | 1.74% |
| Gate City Bank | Fargo | $4.0 billion | +8.3% | 0.88% |
| Bravera Bank | Dickinson | $3.8 billion | +12.3% | 1.50% |
| Western State Bank | Devils Lake | $2.5 billion | +2.2% | 2.02% |
| First Western Bank and Trust | Minot | $2.4 billion | +4.3% | 1.00% |
| Starion Bank | Bismarck | $2.1 billion | +3.5% | 1.17% |
| Cornerstone Bank | Fargo | $1.9 billion | +4.7% | 1.25% |
| Dakota Community Bank & Trust N.A. | Hebron | $1.4 billion | +6.0% | 1.90% |
| Bank Forward | Fargo | $1.1 billion | +13.5% | 1.66% |
| Border Bank | Fargo | $1.1 billion | +3.3% | 1.49% |
| First United Bank | Park River | $811 million | +15.2% | 1.98% |
| American Federal Bank | Fargo | $796 million | -0.4% | 1.23% |
Rankings
- Largest banks in North Dakota
- Fastest deposits growth in North Dakota
- Fastest loan growth in North Dakota
- Highest return on assets in North Dakota
All 60 banks headquartered in North Dakota
- Alerus Financial N.A. Grand Forks
- American Federal Bank Fargo
- American State Bank & Trust Company of Williston Williston
- Aspire Bank Fargo
- Bank Forward Fargo
- Bank of Hazelton Hazelton
- Banknorth Arthur
- Bell Bank Fargo
- Border Bank Fargo
- Bravera Bank Dickinson
- Choice Financial Group Fargo
- Citizens State Bank of Lankin Lankin
- Commercial Bank of Mott Mott
- Cornerstone Bank Fargo
- Dakota Community Bank & Trust N.A. Hebron
- Dakota Heritage Bank Hunter
- Dakota Western Bank Bowman
- Farmers & Merchants Bank of North Dakota Tolna
- Farmers and Merchants State Bank Langdon
- First International Bank and Trust Watford City
- First National Bank and Trust Company of Bottineau Bottineau
- First Security Bank - West Beulah
- First State Bank Buxton
- First State Bank & Trust Williston
- First State Bank of Golva Golva
- First State Bank of Harvey Harvey
- First United Bank Park River
- First Western Bank and Trust Minot
- Gate City Bank Fargo
- Grant County State Bank Carson
- Heartland State Bank Edgeley
- Horizon Financial Bank Munich
- Kindred State Bank Kindred
- Kirkwood Bank and Trust Company Bismarck
- Kodabank Drayton
- Liberty State Bank Powers Lake
- Lincoln State Bank Hankinson
- Mcintosh County Bank Ashley
- Merchants Bank Rugby
- Peoples State Bank Westhope
- Peoples State Bank of Velva Velva
- Peoples State Bank, Fairmount, North Dakota Fairmount
- Rolette State Bank Rolette
- Security First Bank of North Dakota New Salem
- Starion Bank Bismarck
- State Bank & Trust of Kenmare Kenmare
- State Bank of Bottineau Bottineau
- State Bank of Lakota Lakota
- Stock Growers Bank Forman
- Strasburg State Bank Strasburg
- The Bank of Tioga Tioga
- The Citizens State Bank at Mohall Mohall
- The Goose River Bank Mayville
- The Union Bank Beulah
- Trucommunity Bank Garrison
- Turtle Mountain State Bank Belcourt
- Union State Bank of Hazen Hazen
- Unison Bank Jamestown
- United Valley Bank Cavalier
- Western State Bank Devils Lake
North Dakota credit unions
- 29 credit unions headquartered in North Dakota reported $6.0 billion in combined total assets for the quarter ended June 30, 2026.
- Their combined shares and deposits were $5.0 billion, up 4.3% from a year earlier among institutions that reported both quarters.
- The median net interest margin was 3.65%, and the median cost of all shares and deposits was 1.42%.
- Institutions
- 29
- Combined total assets
- $6.0 billion
- Combined shares and deposits
- $5.0 billion
- Share and deposit growth, 12 months
- +4.3%
- Loan growth, 12 months
- +6.5%
- Median net interest margin
- 3.65%
- Median return on assets
- 0.97%
- Median cost of shares and deposits
- 1.42%
What stands out
- Dakota West Credit UnionDelinquent loans falling while the peer median rises
- Community Credit UnionNet interest margin widening faster than peers
- Vue Community Credit UnionDelinquent loans rising faster than peers
- Hometown Credit UnionShare and deposit costs among the highest of similar credit unions
- Tel-U-Watt Federal Credit UnionShare and deposit costs rising while the peer median holds steady
- Northern Valley Federal Credit UnionMembership growing while the peer median shrinks
- Lisbon Farmers Union Credit UnionReturn on assets falling faster than peers
- First Community Credit UnionLending absorbing more of the share base as cash falls
Largest credit unions
| Institution | City | Total assets | Share growth | ROA |
|---|---|---|---|---|
| First Community Credit Union | Jamestown | $1.5 billion | +2.1% | 0.98% |
| Capital Credit Union | Bismarck | $921 million | +9.3% | 1.50% |
| Town and Country Credit Union | Minot | $771 million | +5.3% | 0.97% |
| Western Cooperative Credit Union | Williston | $522 million | +4.4% | 1.14% |
| North Star Community Credit Union | Maddock | $465 million | +4.7% | 1.13% |
| Dakota West Credit Union | Watford City | $327 million | -1.6% | 1.40% |
| Hometown Credit Union | Kulm | $223 million | +3.7% | 1.46% |
| Railway Credit Union | Mandan | $212 million | +11.0% | 0.96% |
| Aspire Community Federal Credit Union | Minot | $182 million | +4.0% | 1.76% |
| Community Credit Union | New Rockford | $172 million | -0.9% | 1.71% |
| United Savings Credit Union | Fargo | $125 million | +5.6% | 0.60% |
| Vue Community Credit Union | Bismarck | $106 million | +3.9% | 0.84% |
| Dakota Plains Credit Union | Edgeley | $93.3 million | +2.3% | 1.08% |
| Affinity First Federal Credit Union | Minot | $70.8 million | +10.7% | 1.57% |
| Fargo Public Schools Federal Credit Union | Fargo | $58.2 million | +0.8% | 0.45% |
Rankings
- Largest credit unions in North Dakota
- Fastest shares and deposits growth in North Dakota
- Fastest loan growth in North Dakota
- Highest return on assets in North Dakota
All 29 credit unions headquartered in North Dakota
- Affinity First Federal Credit Union Minot
- Area Community Credit Union Grand Forks
- Aspire Community Federal Credit Union Minot
- Capital Credit Union Bismarck
- Cce Federal Credit Union Fargo
- Community Credit Union New Rockford
- Dakota Plains Credit Union Edgeley
- Dakota West Credit Union Watford City
- F.F.E. Federal Credit Union Fargo
- Fargo Public Schools Federal Credit Union Fargo
- Fargo Va Federal Credit Union Fargo
- First Community Credit Union Jamestown
- Hometown Credit Union Kulm
- Lamoure Credit Union Lamoure
- Lisbon Farmers Union Credit Union Lisbon
- Med Park Credit Union Grand Forks
- Minot Area Schools Federal Credit Union Minot
- North Star Community Credit Union Maddock
- Northern Sts Pwr Company Emp Federal Credit Union Grand Forks
- Northern Valley Federal Credit Union Grand Forks
- Postal Family Federal Credit Union Fargo
- Railway Credit Union Mandan
- Riverfork Federal Credit Union Grand Forks
- Tel-U-Watt Federal Credit Union Minot
- Town and Country Credit Union Minot
- United Savings Credit Union Fargo
- University Federal Credit Union Grand Forks
- Vue Community Credit Union Bismarck
- Western Cooperative Credit Union Williston